Merrill-Vaughn
Homes for Sale in Umatilla, FL
All 70 homes for sale in Umatilla, FL · median $364,900 · 63 homes for sale in 32784 · Lake County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of September 2026, the MLS records 5 closed sales in Merrill-Vaughn Sub in Umatilla, FL since 2017, the most recent in March 2026. Across Umatilla as a whole, 56 homes closed in the last 12 months at a median of $313,990, 92 median days on market, with 13 homes for sale today. At that median and Lake County's FY2025-26 rate of 16.65 mills, annual property tax runs about $5,230 ($4,560 with the full homestead exemption).
Merrill-Vaughn is an older, mixed-vintage pocket of Umatilla — homes here span a full century, from 1920 to 2020, with a median build year of 1973. That spread means condition, not square footage or amenities, is what separates one listing from the next. Two homes on the same block can be a century apart in systems, layout, and renovation history.
With a median living area of 1,198 square feet, this is a community of modest-footprint homes, and the 60.2% homestead share tells you most owners are living in these houses as primary residences rather than holding them as rentals or seasonal property. For a buyer, that points to a market where individual home condition and seller motivation matter more than any neighborhood-wide trend.
Nearby homes for sale
No active listings inside Merrill-Vaughn Sub right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Merrill-Vaughn is a small, established section of Umatilla with 85 homes spanning construction dates from 1920 to 2020 — a range wide enough that shopping here means evaluating each house on its own timeline rather than assuming a uniform build era.
County records show 3 qualified sales in Merrill-Vaughn across 2024–2025 (2 in 2024, 1 in 2025), median $183,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who Merrill-Vaughn is best for.
Best for
- Buyers seeking a modest-footprint primary residence with no interest in paying for community amenities they will not use.
- Buyers comfortable evaluating homes individually for age and condition rather than relying on a uniform build standard.
- Buyers targeting a compact home size, given the median of roughly 1,200 square feet.
Probably not for
- Buyers who want the predictability of a single-era build with consistent systems across the subdivision.
- Buyers who expect a homeowners association with pools, clubhouses, or other shared recreational facilities.
- Buyers unwilling to budget for inspection contingencies on older construction, given homes here date as far back as 1920.
The market around Merrill-Vaughn
Merrill-Vaughn is too small for its own price trend, so here is the market around it.
In ZIP 32784, 94 homes are on the market and 22% are under contract — a steady corner of Umatilla.
Across Lake County, 3,179 homes are active and 1,077 pending (25% under contract).
In ZIP 32784 (Umatilla), 318 homes closed in the last 12 months at a median of $247K ($178/sq ft), down 2.8% year over year, with a median 73 days on market. Right now 15 active and 7 pending listings put supply at about 3.1 months — a balanced market. See the live ZIP 32784 housing market and the Lake County market.
ZIP and county figures describe the wider market, not Merrill-Vaughn specifically. Momentum Research analysis of MLS records.
The Merrill-Vaughn buying strategy.
If we were buying in Merrill-Vaughn today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Merrill-Vaughn.
A Century of Building Stock in One Subdivision
The defining characteristic of Merrill-Vaughn is age variation. A median year built of 1973 sits in the middle of a range that stretches from homes built in the 1920s to ones finished as recently as 2020. That means the subdivision holds everything from early-20th-century construction to comparatively new builds, and a buyer touring here should expect real differences in wiring, plumbing, roofing, and layout from one address to the next, even within the same few blocks.
At a median of 1,198 square feet, homes in this community run compact. There is no community amenity package identified in current MLS listings — no clubhouse, pool, or shared recreation to factor into the value equation. What buyers are purchasing is the house itself and its lot, not a bundled lifestyle amenity, which keeps the evaluation straightforward: inspect the structure, understand its age, and price accordingly.
The location and the amenities are priced into every listing in Merrill-Vaughn. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a subdivision with a hundred-year construction spread, knowing which decade a specific home was built in — and what that implies for inspection priorities — is the difference between a sound purchase and a costly surprise. We walk buyers through that history house by house rather than treating Merrill-Vaughn as a single uniform product.
Merrill-Vaughn in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Merrill-Vaughn buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Merrill-Vaughn sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Merrill-Vaughn, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Merrill-Vaughn home worth?
Get a no-obligation home value based on real comparable sales in Merrill-Vaughn, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Should you buy in Merrill-Vaughn?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: September 19, 2026) |
| Under-contract shares | Stellar MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2017 (5 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.
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See how Merrill-Vaughn fits the bigger picture — live prices, inventory, and Momentum Scores:
Common questions about Merrill-Vaughn
Where is Merrill-Vaughn?
Merrill-Vaughn is a community in Umatilla, Lake County, Florida, ZIP 32784.
Are there homes for sale in Merrill-Vaughn right now?
No active listings inside Merrill-Vaughn at the last feed refresh. The nearest homes for sale, with distances from the community, are shown on this page and refreshed nightly.
Does Merrill-Vaughn have an HOA or CDD?
No HOA is on record for Merrill-Vaughn in our data. Verify dues, what they cover, and any special assessment for a specific address before you offer.
Answers are generated from county property records, MLS feeds and the figures on this page, as of the page date; deemed reliable but not guaranteed.
More Umatilla & Lake County guides
Compare before you commit - every guide covers pricing, HOA/CDD, insurance posture, and fit. Browse all of Lake County or the full Neighborhood Finder.
Nearby Communities
Explore more neighborhoods near Merrill-Vaughn with Momentum Realty’s local guides.
Merrill Vaughn Sub Market Scorecard
Merrill Vaughn Sub is currently a no active listings market. Limited supply, a median asking price of n/a.
Typical home value in the 32784 ZIP is $294,131, about 15.4% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.